NSB Business checking and savings accounts offer:

PhoneBank 

No time to go to a branch? PhoneBank lets you check your balance, find out current rates, and make a transfer between accounts. It is fast, free and easy -- and gives you the information you need when you need it. As long as you have a touch-tone phone, you are ready to use the automated NSB PhoneBank.

To use PhoneBank, call 888 NSB-2424 (888-672-2424)


Online Account Access via eNSB

Take the Bank out of banking. Safe, simple and secure, eNSB allows you to keep track of your balances and transfer funds with the click of a mouse, whenever and wherever you want. We also offer full ACH capabilities, online wire service and remote deposit service.


Debit Card

Looks like a credit card. Acts like a check. Works as an ATM card.

The Northfield Savings Bank debit card is a convenient way to track your spending accurately -- and is much safer than carrying cash. Each time you make a purchase using your debit card, your monthly bank statement will include all the transaction details: when, where and how much you spent.

Save money with your Debit Card:

  • No annual fee
  • Free transfers between Northfield Savings Bank accounts via ATM
  • Currency exchange rates may apply when accessing funds in a foreign country.

Use it as an ATM Card

The debit card works just like an ATM card at our convenient automated teller machines. As a founding member of the Falcon Network, our customers can save money by accessing any of over 100 surcharge-free ATM locations throughout Vermont. We also belong to national and international networks for access to even more ATM locations. Debit card holders can also make higher-than-average withdrawals; you may withdraw up to $500 of the available balance in your checking or savings account each day.

Use it as a debit card

Whether you are shopping around the corner or around the world, there are no bills to pay later; purchase amounts are automatically withdrawn from your checking account. Because it carries the MasterCard symbol, our debit card is welcome anywhere MasterCard is accepted. Your daily spending limit is up to $2,500 of your available balance in your primary checking account.

Remember to say, "credit" and sign for your transactions

"Will that be credit or debit?" This is a common question at many checkout stands. Selecting credit provides you with the most details when the transaction shows on your statement. Also, by selecting credit and signing for your transaction, you will be entered into any contest or promotion being run by MasterCard. MasterCard gives away fabulous vacations, cars, houses, and even cash. But only those who say "credit" and sign for their purchases are entered to win. Visit MasterCard's website for the latest details.

Never write your PIN on your card

If your card is ever lost or stolen, call us immediately at 800-NSB-CASH. Instructions on how to report the loss are available 24 hours a day.

Which accounts qualify?

You can use your debit card as long as you have an Northfield Savings Bank checking account.

It is easy to get your card

Just ask a Service Representative for an ATM/debit card agreement form the next time you visit your branch, or download a version of the Agreement form and print it out.

To ensure full use of your debit, please contact us prior to traveling outside the United States so we may update your card for international use.


Combined Monthly Statement

Combined statements that include your checking and savings accounts in one report (enrollment required).


Interest Compounded Daily

For accounts paying interest, we compounded daily interest.


Overdraft Protection Services 

The best way to avoid overdrafts fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your checkbook regularly and manage your finances responsibly. However, if a mistake occurs, Northfield Savings Bank offers several ways to cover overdrafts.

Sweeps

Avoid bounced checks

Bouncing a check because your balance drops too low can happen to anyone, but it does not have to happen to you. Link your checking account to another Northfield Savings Bank account and you can have money transferred automatically to protect against these fees.

How it works

Money is automatically drawn in $100 increments to prevent an overdraft fee (overdraft protection) or service charge (minimum balance protection) from being incurred. The number of automatic preauthorized and telephone transfer withdrawals from your savings account to another Northfield Savings Bank account or to a third party is limited to six per month.

Click here to download a Sweep Protection Agreement. A fee of $5.00 will be charged for each automatic transfer of funds performed by this service.

Line of Credit

If your company has a Line of Credit with Northfield Savings Bank, you can transfer funds from the line to your checking account in anticipation of overdrafts, up to your credit limit.  For more information or to apply for this service, contact a business banker.

Bounce Protection

Bounce Protection is a discretionary overdraft service that provides you a safety net up to an automatically assigned overdraft limit. Your Bounce Protection limit may be available for checks, automatic bill payments, debit card and ATM transaction.

For more information, review the Bounce Protection brochure.

If an overdraft is approved by using your Bounce Protection  limit, you may be assessed our overdraft paid item fee of $30 for each item created by check, in-person withdrawals, ATM withdrawals or other electronic means paid under the limit. All negative balances must be brought positive within 30 calendar days. Northfield Savings Bank reserves the right not to pay if account is not kept in good standing.


Check Images

Check images are available as part of our ongoing commitment to making your banking more convenient. You can receive eStatements with images of your checks presented in numerical order. eStatements and images can be saved electronically and printed at your convenience. This service is available through eNSB, our online banking program.


FDIC Insurance

Visit the FDIC website and to learn more about deposit insurance provided by the FDIC, including information on how to maximize your insurance.